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Non-QM (Non-Qualified Mortgage) lenders provide alternative home loan options, including unconventional mortgages such as no doc (no job and no employment. (income and employment sections are left blank), no ratio, and debt-service coverage ratio (DSCR) loans.
Non-QM Lenders
These loans cater to borrowers who may not meet traditional mortgage criteria and allow for alternative income documentation for.
Business purpose loans are available for both non-owner-occupied and owner-occupied properties, without the need for Form 4506-C, offering flexibility for various borrowing needs and circumstances.
California Hard Money / Super-Jumbo Loan Program Overview We offer high-limit hard money financing in California — including loans up to $30 million — for
DSCR stands for Debt Service Coverage Ratio loans, which allow real estate investors to qualify based on property cash flow rather than personal income.
Benefits
For Investors looking for the right construction loan for their next purchase or refinance loan. Below are actual loan programs we can offer to our
Unconventional Business Purpose Mortgage Loan A Business Purpose Loan is a unique mortgage program designed for primary residences. It is a type of stated income
Self-employed borrowers often face unique challenges when it comes to providing tax returns for loan applications. Traditional lenders typically require tax returns to verify income
Loan Solutions for Self-Employed mortgage borrowers. Self-employed individuals seeking mortgages often encounter challenges in verifying their employment status. However, various Verification of Employment (VOE) documentation
Rehab loans are frequently utilized by our Fix-n-flip investor clients, catering to their unique needs in real estate ventures. Our focus extends beyond conventional options,
We make non-warrantable condos easy. No reserves needed if LTV is 75% or below, up to 5% deductible allowed (industry max), and 20% single-entity ownership
Interest Only Loans provide borrowers with initial payment flexibility by allowing them to pay only the interest for a set period, typically the first ten
The following Inherited Property Loans do not require the standard 12 months title seasoning.
Questions Talk to a Loan Officer: 800-718-8906.
Bank statement loans present an advantageous financing avenue tailored for self-employed individuals seeking mortgage options. These loans allow applicants to leverage their bank statements as
This loan program list is comprised of alternative documentation (Alt Doc) mortgage programs, which are designed for self-employed borrowers who may not have traditional income
Real estate investors, discover your pre-qualification options and unlock your potential for success. At our firm, we thrive when you succeed, and we’re committed to
Hard money loans offer real estate investors valuable financing options with quick approval process and flexible terms. These loans are especially beneficial for investors seeking
DSCR loans remain a top choice for real estate investors. We offer flexible guidelines using income from both long- and short-term rentals, and can qualify
Purchase or Cash Out Refinance options available with a minimum 620 credit score. The Real Estate Investor Program provides flexible income documentation, including Full Doc
Carrington Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Prime Advantage (portfolio) Flexible
Change Wholesale Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Community Mortgage Alt Doc
AD Mortgage Offers the Following Programs DSCR Program Our business purpose mortgage loan program is tailored to meet the needs of real estate investors seeking
Capital Alliance Offers the Following Programs Check back often as we are always updating our lender and loan program information. O/O Consumer Purpose Jumbo Prime
Flexible second mortgage programs from Fountain Mortgage: Alt Doc, 1099 Only, Bank Statement, and P&L Only options with CLTVs up to 90%.
Oak Tree Funding Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Oaktree Funding: Your
Acra Offers the Following Programs Check back often as we are always updating our lender and loan program information. 12-Month Bank Statement Foreign National Investor
AXOS Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Looking for a portfolio mortgage
Non-QM lender offering bank statement loan programs, Foreign National loan programs, Non-Prime loan programs, ITIN investor loans, Asset Depletion and DSCR loans. Come see our
Arc Home Loans Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Access & Edge
N-QM Funding Offers the Following Loan Programs As a leading prime jumbo mortgage lender, our Flex Supreme loan program offers competitive rates for highly qualified
Loan Stream Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Non-QM Closed End Seconds
Angel Oak Offers the Following Loan Programs Check back often as we are always updating our lender and loan program information. Bank Statement Loans Bank
ClearEdge Lending is a wholesale lender specializing in Non-QM (non-qualified mortgage) products, known for both originating and securitizing loans as a true end-investor since 2015.
Flex Supreme, a leading Non-QM loan program offering top-tier pricing for financially stable borrowers with or without credit challenges. Ideal for non-prime lending solutions.
Experience Exceptional Non-QM Service with Logan At Logan, customer service isn’t just a department, it’s our commitment to you. With 75 years of experience, we
One-year tax-return alt-doc loan with up to 90% LTV; ideal for self-employed or recent income increase. Primary, second, & investment properties eligible.
Guidelines and Highlights: Below is a list of some of our “Investment Property” loan programs. Let us know if you have any questions. Discover your
DSCR First Time Investor Loan OK Our DSCR cash flow loan offers borrowers an interest-only option to qualify using the interest-only payment plus escrows. This
Non-QM lender in California: self-employed loans with alt docs — bank statements, 1099s, asset depletion. No 4506-C needed. Up to 90% LTV.
Real estate investor cash-out with bank-statement loans: use rentals, 1099 or Airbnb income, alt docs. Up to 85% LTV, flexible credit & no tax return
Borrow up to $3M with jumbo hard money loans at 80% LTV for fix & flip, bridge, construction & more. No 4506-T required, flexible income
Partner with us for ARV purchase & rehab loans—finance both acquisition and renovations, leverage your property’s after-repair value, with flexible terms & fast draws.
Our alternative documentation mortgage program features a Lite Doc option for borrowers seeking simplified income verification. Applicants can qualify using only the past 12 months
Access up to $750,000 with a Stand-Alone Second Mortgage—no need to refinance. Requires 680+ credit score, supports primary and second homes.
This program enables primary owner-occupied loans from $500,000 to $5,000,000 for purchase, refinance, cash-out, construction, bridge, or blanket financing.
Bank Statement Program – 2025 This Bank Statement mortgage is designed for self-employed borrowers. You benefit from a simplified qualifying method with income based on
A Second Mortgage Bank Statement Loan allows qualified homeowners to access equity without refinancing their first mortgage. Using 12 to 24 months of personal or
Investment Refinance Loans. Below is a list of some of our Refinance “Investment Property” loan programs.
Let us know if you have
Qualifying for a mortgage on an investment property can be tricky, particularly if you own multiple properties. The DSCR (Debt Service Coverage Ratio) option makes
The DSCR (Debt Service Coverage Ratio) Loan Program is built for experienced real estate investors, allowing up to 25 financed properties—far beyond most investor loan
Jumbo Non-QM Bank Statement Loans offer self-employed and high-income borrowers a flexible way to qualify for jumbo mortgages without tax returns. Borrow up to $5
Flexible income documentation options with as little as 3 months of personal or business bank statements. This 3-month program is a streamlined alternative to 6-,
Alternative income and employment documentation investment property purchase loans for both owner-occupied and non-owner occupied for to see, research, and utilize. Call customer Service @
Below is a list of some of our “Multi Unit” loan programs for both Owner Occupied and Non Owner Occupied borrowers. Questions? Call and speak
Hard money jumbo loans in California offer flexible financing with no personal income verification, allowing borrowers to qualify based on liquid assets for reduced investor
Maximum Loan Amount Investor Mortgage – $3,500,000 This investment property loan program provides up to $3,000,000 for purchases and rate-term refinances, with cash-out refinancing available
DSRC Investor Loan Program – No Income Verification Qualify for a self-employed mortgage with loan amounts up to $5,000,000 and a 760 middle mortgage credit
Stated Income / No Doc This hard money asset-based stated income / No Doc loan program is designed for borrowers who need an asset-based lending
The Hard Money Super Jumbo Florida Mortgage Program offers rapid, equity-based financing—supporting purchase, rate-and-term, and cash-out refinances—for loan amounts starting at $5 million and extending
Super Jumbo Investor Mortgage | DSCR. A specialized DSCR loan program for real estate investors with a minimum credit score of 620. Offers up to
Explore our array of Alt Doc Multi-Unit Refinance loan options tailored for real estate investors. For inquiries, reach out to our Customer Service team at
Super Jumbo Loan Amounts to $30,000,000 Non-Prime/ Manual Underwrite Super Jumbo Common Sense Manual Underwriting and in-house decisions. Final decision with second signature requirement. Income
Alt-Doc for Real-Estate Investors: Rent & business bank statements, lease income or Airbnb qualify. Flexible docs, no tax returns required.
Below is a list of some of our “Investment Property” Purchase loan programs. Questions? 800-718-8906 to get in touch with a qualified Mortgage Loan Officer.
The 12-Month Bank Statement Loan is designed for self-employed and 1099 borrowers who prefer simplified documentation. Instead of tax returns, approval is based on bank
Our manual underwriting process for DSCR loans provides the flexibility to evaluate loans comprehensively, allowing for more credit approval decisions. LTV up to 85% on
FundLoans offers three DSCR mortgage programs designed for real estate investors, allowing qualification based solely on property cash flow. Unlike traditional loans, these programs don’t
Super Jumbo refinance loan program details, qualifying criteria, etc.
Super Jumbo Bank Financing up to $30 Million. Portfolio mortgage with flexible Lite Doc options, including 1099 Only income documentation up to $3M. Designed for
Alternative mortgage lenders provide flexible financing options tailored to borrowers who may not qualify for traditional loans. These lenders specialize in Non-QM (non-qualified mortgage) products,
Unconventional Investment Property Cash Out – Cash Out Investment Property Loans – Guidelines and Highlights: | 800-718-8906 Contact a Loan Officer Please enable JavaScript in
Investment Property Cash Out Refinance Loans Investment Property Loans Cash Out – Guidelines and Highlights: Contact a Loan Officer Please enable JavaScript in your browser
Refinancing a jumbo loan? We offer creative jumbo refinance solutions for high-value properties that don’t fit traditional lending guidelines. Whether you’re seeking lower rates, cash-out,
Super Jumbo Construction Loans – Below is a list of some of our “Super Jumbo” Construction loan programs.
Let us know if you have
How is Bank Statement Income Calculated? Total deposits, less business expense ratio, annualized, multiplied by the % of ownership. Standard 50/50 deposit to expense ratio
Super Jumbo Real Estate Investor Loan Program to $5,000,000 This investor program was created for seasoned professional Business Purpose Real Estate Investors for most property
Hard Money Loans Our mission is to help individuals, investors, builders, developers, foreign nationals, and all legal entities including foreign legal entities obtain alternative real
Real Estate Investor Loan: Up to 12 Financed Properties OK Borrower can own unlimited properties, but only 10 can have a mortgage lien 680 Middle
Hard Money Loan Program All Property Types (Except Land & Manufactured Homes) 1st Trust Deeds Available and 2nd Trust Deed HELOC’s from $250,000 – $10,000,000
1099 Only Lite Doc Bank Statement Loan – Qualify with just 1 year of income and employment verification. Ideal for self-employed borrowers with a 660+
A lender committed to providing gap financing solutions 1st and 2nd Loan Packages Cross collateralization for larger loan sizes Fast underwriting decisions and funding Additional
Hard Money Loan Program Guideline Overview Interest-Only Payment Term Available * Loan Amounts: * $250,000 – $7,500,000 Property Types: * SFR (Single Family Residence) *
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